All about life insurance

Life insurance for Diabetics According to the American Diabetes Association, 34.3 million people are living with diabetes as of 2018. This means that 10.5% of the population has some form of diabetes. Due to the high numbers, life insurance providers are starting to offer more affordable life insurance to those who have diabetes with rates being at an all-time low. There are many factors that can determine the premium you will pay for life insurance as someone with diabetes. Can I Get Life Insurance With Diabetes? Yes, as a diabetic, you can get life insurance, as long as your diabetes has been under control for the past 6 to 12 months. Just like there are different types of diabetes, there...

How Much Life Insurance Do I Need? Life insurance can help policyholders look after their loved ones once they are gone. There are many things to take into consideration if you want to ensure you make the best decision possible. In this article, we will be covering everything you need to consider when asking yourself how much life insurance do I need? What’s the perfect amount of life insurance for you? When trying to figure out actually how much life insurance you should purchase, there are a few key factors that you need to keep in mind. 1. Your Assets It is very important to calculate all your assets. This will help you find out what you have and what you would be leaving behind....

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Kiwis love their homes… most nights on TV you can find a show about home design, renovating or gardening. But these days the ‘Kiwi dream’ seems to come with a hefty mortgage. When you buy your first home it’s exciting to start planning all those BBQ’s, new paint colours, and stylish renovations. In reality there are some more serious issues to highlight, like what insurance you should get and whether you are in fact under-insured. Scarily, Kiwis are typically under-insured or not insured at all. A 2018 survey from TradeMe confirmed little has changed since 2013 when the survey was first run, with only 51% of respondents saying they have Life Insurance. In 2011 Massey University and the NZ...

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If you don't have life insurance, your loved ones might be left in the lurch financially if you pass away unexpectedly. But despite the importance of having life insurance, many Americans go without it, and for reasons that really read more like excuses. Here are the top reasons Americans don't have life insurance, according to a survey by Ladder and OnePoll -- and why they just don't hold water. 1. It's too expensive For 52% of Americans, the decision not to buy life insurance boils down to money. Meanwhile, the aforementioned survey also found that the typical American spends nearly $1,500 a month on non-essentials like restaurant meals and entertainment. Depending on the policy you buy,...

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HOUSTON, TX / ACCESSWIRE / September 6, 2019 / Edward Karram has taken the corporate world by storm. As an entrepreneur, public speaker and business coach, he has successfully run restaurants, construction companies, and martial arts studios. Eager to explore new opportunities, Karram stumbled into the financial realm and it was here that he found his true calling. Today, Karram is the Founder and CEO of SELL-U; a step-by-step training program that walks registered life insurance agents through all aspects of business, sales training and social media. With personal mentorship from Edward Karram himself, agents are able to grow their business and earn a seven-figure income. To date, the...

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Debra Gillispie lost her son Kirk Bickham Jr. in 2004 after he and two of his friends were shot and killed by a felon. Not only did she have to deal with his loss, she also had to deal with the fact that he had no life insurance. At that time Gillispie, who founded Mothers Against Gun Violence in 2004, thought it was her life’s goal to educate others about the importance of life insurance as a private insurance agent. However, she quickly learned that this would be a hard task. That’s why she started a free and public event to inform citizens on Milwaukee’s north side about the benefits of life insurance. “I wouldn’t know all of these things if it wasn't for Jr.,” explained Gillispie. "I...

Ulips provide a risk cover and enable one to invest into equity or debt markets basis their risk appetite and gain significant returns which can then be used to accommodate their goals. The primary objective of life insurance is to act as an income replacement tool and thus provide adequate protection to the insured’s family. For such a need, a pure term insurance plan fits the bill. For those who wish to save through life insurance plans, there are several other options as well. There are tax benefits on the premium paid towards life insurance plans as well, but they should only be considered as incidental to your purchase. The Insurance Regulatory and Development Authority of India...

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AIG, the US insurance company, is launching a marketing campaign in the UK featuring the New Zealand rugby team as it looks to align the idea of purchasing life insurance with the act of leaving a legacy. The insurer, which has no direct-to-consumer offering, told Campaign that it wanted to raise awareness of its brand and brand values among consumers, who can purchase its insurance via brokers and financial advisors. It has been a global sponsor of the All Blacks since 2012, but AIG said this is the first time it had leveraged the sponsorship with a consumer campaign. Activity, created by Octagon, comprises digital, social and out-of-home. It kicks off today (Monday) with a 90-second film...

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Convertible term life insurance offers the best of both worlds. You can cover your short-term needs with the term life policy, and then make the switch to a permanent whole life policy if those needs change. While most insurers offer convertibility as a free add-on, there are a few caveats to this coverage. What is a convertible term policy? With a convertible term life insurance policy, you have the option to convert some or all of your term life coverage into a permanent policy, such as a whole life or universal life insurance. You won’t need to requalify or undergo any additional screening — even if you’ve developed a health condition since you first got coverage. How...

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RALEIGH, N.C., Aug. 22, 2019 /PRNewswire/ -- Commissions are an important part of the life insurance and annuity business model, but if the process does not go smoothly, it can impede effective partnerships, increase costs and waste valuable time. InsurTech Express is rethinking the way life and annuity providers handle the complex challenge of commissions—leveraging technology to solve historic issues and enabling participants to focus on growth and serving customers well. InsurTech Express published a White Paper, available for free download at InsurTechExpress.com, explaining how in today's marketplace, the current life and annuity commission model is archaic and cumbersome, resulting in...

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